Sure, it takes some more work, to categorize spending (which actually takes little time and makes you well aware of what you are spending) and giving all of your dollars a 'job'... but as I a-test and they have discovered, it is well worth the effort and well worth $50/year.I have used YNAB since the start of 2014, both their desktop and now online based version and I am happy to spend $50/year on something that enables us to live with minimal financial stress and gives us the ability to get laser focused on financial goals.

If the metal chips were not removed, they would cause a bluish discoloration (much like a tattoo) of the skin.""

See how were narrowing this focus to a laser beam, which will empower to best find what looking for.

Since Houston has no zoning laws, the advantage of the HOA is that it will prevent someone from opening a tattoo parlor in their home next to yours.

Once 1/1 rolls around, we are all laser focused on tax compliance. 

They are those scary looking people with neck tattoos doing skilled labor at a petrochemical refinery.

I'm guessing Laser focused mailing list and willing to pay more than distressed property prices?  

The strategy is branded under different name like infinite banking, bank on yourself, be your own bank, the LASER fund, ...Some are promoting the use of Whole Life Insurance, some the use of Universal Index Life Insurance.

I'd say stereotypically what you'd expect to find outside a military base: strip club, tattoo parlor, liquor store, used cars. :) Then you also have to contend with jet noise in Hampton Roads.

My tattoo artist makes more than $90/hr, so does my electrician, plumber, diesel mechanic, etc. lol Part of this $10,000 was a per diem tax free stipend which is based on GSA per diem allowance and varies by zip code and season.